This is my first time ever even considering an iPhone, and would like some advice. First, I was wondering about the status of iPhone "scams"; that is, I know in the past, for the 3Gs for instance, people could essentially scam AT&T to get the phone without a contract and still pay less than a factory unlocked model (something along the lines of using a friend's AT&T account to upgrade to the new one, return the old one, cancel service, blah blah, it was pretty complicated). Did AT&T/Apple take any steps to prevent people from getting away with this? Second, I'm not sure what the best way for me to obtain a new iPhone would be. I have 2 options - 1. My family is currently on T-Mobile, and my dad (yeah, I know) pays my phone bill. I pay for data/unlimited texts, but the rest is taken care of. So my first option is to either buy the phone from AT&T with contract, cancel contract, pay early termination fee, and then unlock it to work on T-Mo OR buy a factory unlocked phone, depending on which is cheaper. Is there any downside to this in terms of phone features? I heard that not all iPhone stuff works on networks outside of AT&T, and the 3G speeds may be lower, is this true? 2. Switch to AT&T and pay my own phone bill. The main problem with this is that their rates are crazy high for an individual plan, plus I would be a brand new customer with no discounts or deals or anything. Additionally it would be more complicated in terms of the family being on different networks. Still not sure about this one. Any advice on what to do? I'd prefer a jailbroken/unlocked iPhone, and am willing to pay probably up to 500 bucks for a factory unlocked one. Sorry if this is a noob question, redundant thread, etc. This is my first foray into the world of iPhone. Thanks in advance for any suggestions!